Good morning , sir . How may I help you ?   I'd like to open an account .   Certainly , sir . Would you like to open a time deposit savings account or a checking account ?   Actually , I'd like to open one of each , if that's possible .   No problem , sir . What sort of time deposit account would you like to open ?   What are my choices ?   The minimum time period is three months . The longer the period , the higher the interest rate . If you withdraw your money before time is up , there are penalties . 